9 Best Bitcoin ATM Cards 2018 – Bitcoin Credit Card Comparison

What are the Best Bitcoin ATM Cards 2018 Comparison of Bitcoin Debit Credit Card Visa Master

Advantage of using an Bitcoin debit card

The pros are pretty obvious – you can now Online/virtually buy anything with Bitcoin. Lot of Places that accepts credit or debit cards would accept your Bitcoin debit card as well “in Future” “Hopefully not the Case yet. The merchant gets paid in his own shop Based currency by the debit company, the charge will be deducted from your Bitcoin balance. This allows you to run purely on Bitcoin, on some Cases.

As an example, if I travel abroad I mostly take my Bitcoin debit-card as backup card in case i get robbed or anything get´s stolen. We call it actually the traveller’s check of digital age 2018.

The Contras of using a Bitcoin debit card

The major con of a Bitcoin debit card is centralization. In order to use the card you have to deposit the money into your account at the debit card company – that means you’re giving control over your coins to a 3rd party´s. Reduce the risk by not deposit too much Bitcoins into your account – basically deposit only an amount you feel free  to loose in case of an hack. Using the service of these companies comes with a price – as you will see the friendly fees that Bitcoin debit card companies charge you.

At the moment there are several Bitcoin debit card companies on the Market a lot of Scams btw. so be Careful, do your research, play through all szenarios before , here i am going to show you a short summary of the best ones in my View i will display as well the pros and cons of them.

Wirex Bitcoin debit card

Pros: Chip & Pin card, virtual cards available, established company
cons: Redundant fees (IMO), relatively expensive card

Previously known as e-coin, the company rebranded to Wirex in 2016. They supplies Chip & Pin visa debit card that can be loaded through your Wirex app (desktop or mobilephone). The fees are pretty same to other cards – costing 3% for international transactions, $2.5 for ATM withdrawal and $17 to get your physical shipped to you wanted destination. The company supplies as well an virtual card if you don’t want the actual plastic. Like Xapo, Wirex also service fees, they charge them on an monthly and not on an annual basis ($1/month).

Bitpay Bitcoin debit card

Pros: Well known Payment Gateway, cards accepted worldwide
cons: Limited to US residents only, doesn’t have chip and pin, requires anverification

Bitpay is an well-known company in the Bitcoin eco-system they provide payment solutions for businesses and individuals. They allow you to get a prepaid Visa card that you can Load through your Bitpay account. The BitPay Prepaid Visa® Card is available for residents in all 50 US states. You should have an home address (no PO boxes allowed), government-issued ID, and Social Security number to apply if you have all that stuff, go for it.

The card costs an flat fee of about $9.95 and takes around 7 days to arrive in your Mailbox. When you Travel outside of the United States you will pay a fee of 3% to cover the currency conversion rate. There is also a $2.00 fee for ATM or cash-back withdrawals inside the US and an $3.00 fee for all ATM or cash-back withdrawals outside of the country.  Check out the complete fee list here. There are no transaction fees for the Bitpay card itself.

Cryptopay Bitcoin debit card

Pros: Worldwide Available, offers physical and virtual cards
cons:  maintenance and loading fees

Cryptopay supplies you an Bitcoin debit card that is worldwide available (unlike Bitpay). You can both order a physical card with a chip & pin, or a virtual debit card if you’re just into online shopping. Another great PRO of Cryptopay is that you do not have to supply full id verification if you don’t need high card limit thats pretty nice.

The physical card cost about $15 and is shipped for free worldwide and fast. ATM withdrawal costs around $2.5 and international currency change adds another 3% on each transaction. I don’t like for example that this card has a monthly maintenance fee of $1 and a 1% commission for loading on money. And If you’re not verified you can load up to €2500 in your card but not more than that.

Xapo Bitcoin debit card

Pros: Ships to “most” countries, well established company reputation
cons: Redundant fees (IMO), no chip & pin

Xapo was one of the first CC Vendor companies to supply a Bitcoin debit card. Just like Bitpay it offer a “simple” credit card that does not have a chip & pin system (it is possible to get a chip & pin card, I personally did not). The cost of the card is around $20 and it does have an annual fee of $12/year after the first year.

Xapo ships their cards worldwide according to their website. Also their card actually has a “change pin” fee which seems pretty sht. You can use the card without Big verification but you will be limited to $2500.

Shift Bitcoin debit card

Pros: Easily connection to your Coinbase account,  low fees
cons: Available only in 45 states in the US, Coinbase limited to certain countries as well

Shift position themselves as “the first US Bitcoin debit card”.  They supplie a debit card that is connected to your Coinbase.com account. However, even though it’s supposed to be the US debit card it’s available only in 45 out of 50 states at the moment, which is pretty odd.

The card costs a cute $10 to produce and has no ongoing fees. There is of course the standard 3% international transaction fee and $2.5 flat ATM withdrawal fee, which is pretty nice.

What Bitcoin Credit Card should you Looking for?

The Most of these cards are actually the same. They probably use all the same plastic card supplier to run their business as well and the difference is only in their brand Look. Personally I’d advise making sure the card you choose is available in your country and then choose the one with the lowest fees. I’d definitely try to avoid cards with ongoing fees (i.e. Wirex, Xapo). For example, if you live in the US, use Shift that is an reasonable option.

In addition to the cards reviewed in this post there are also ANXPRO and CoinsBank that supply Bitcoin debit card – have a look at them as well, they are listed in the table at the top of this page.

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